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At Serve Funding, we understand that businesses face unique financial challenges at every growth stage. Whether you need capital for expansion, mergers, or overcoming cash flow hurdles, our custom financial solutions are designed to match your goals and help your business thrive.

Explore Our Options for Creative Working Capital

Asset-Based Lending:

Leverage business assets such as AR, Inventory, Equipment
& CRE for flexible lines of credit that grow with your business.

Invoice (AR) Financing:

Turn your open B2B invoices into immediate cash flow
to maximize growth and maintain smooth operations.

Working Capital Loans:

Secure creative working capital options which close quickly,
serving as bridge funding to cover expenses & support growth.

Inventory Financing:

Access the value tied up in your existing inventory or use
specialized financing solutions to purchase new inventory.

Equipment Leasing:

Take advantage of flexible equipment financing & lease options
to purchase new equipment or cash-out of existing equipment.

Real Estate Lending:

Receive bridge & long-term financing on commercial properties,
including purchases, refinancing and cash-out options.

Purchase Order (PO) Funding:

Maximize growth through funding solutions designed to fulfill
new PO’s and mobilize contracts without straining cash-flow.

Government Contract Financing:

Access flexible lines of credit designed exclusively to provide
financing for federal, state & local government contracts.

Unsecured & Sub-Debt Loans:

Obtain timely working capital without leveraging any collateral
or accepting lien filings through unsecured and subordinated debt.

Small Business Administration Loans:

Tap into lower-interest and longer-term loans and lines of credit in
Federal SBA programs for working capital & real estate financing.

Let’s Talk.

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Why Choose Serve Funding?

Tailored Solutions

Every business is unique. Our funding options are customized to your specific needs.

Expert Guidance

Our team has years of experience in structuring financing that drives growth.

Flexible Terms

We offer flexible terms that adapt as your business evolves.

Asset-Based Lending

Asset-Based Lending (ABL) allows businesses to leverage their accounts receivable, inventory, equipment, and commercial real estate as collateral to access flexible working capital.

These lines of credit provide are ideal for companies which are going through seasons of rapid growth or experiencing temporary financial challenges. ABL lines are typically used for working capital, expansion, acquisitions, or debt restructuring.

  • Facility amounts from $1MM – $100MM
  • Revolving credit lines available
  • 70-90% advance on receivables
  • 50-75% advance on inventory
  • Rates based on SOFR or Prime +1-5%
  • Suitable for US-based, B2B and B2C

Invoice (AR) Financing

Invoice financing (also called factoring) turns your open B2B invoices into immediate cash to maximize growth and maintain smooth operations. This solution is ideal for companies with commercial AR to enhance cash flow and reduce credit risk.

Factoring suits businesses that sell to both US-based & international commercial customers. It takes longer terms such as net-30, net-60, net-90 + and provides access to the cash trapped in those invoices on day 1! Factoring is not debt on the balance sheet, but is actually the revolving sale of the business asset that is AR.

  • Facility amounts from $250K – $100MM
  • Revolving lines of credit
  • Advance rates of 75%–95% on AR
  • Interest tied to SOFR or Prime + 1-6%
  • Factor fees from 0.25% to 1% per invoice
  • Not a loan; no balance sheet impact
  • Options for single debtor factoring

Working Capital Loans

Working capital funding is typically funded on a revenue-based underwriting model. They can be closed quickly – often within days – and provide essential funding for managing day-to-day operating expenses. They are typically used for help to cover payroll, fund additional inventory, address accounts payable, and more.

Working capital loans ensure smooth operations amid cash flow challenges stemming from the unexpected to seasonal fluctuations. They are often utilized by fast-growing companies across a wide industry spectrum like e-commerce, manufacturing, and services.

  • Loan amounts from $100K to $5MM+
  • Flexible terms from 6 to 24 months
  • Approval within 1-3 business days
  • Monthly factor rates of 1.25-3% +
  • For B2B and B2C businesses

Inventory Financing

Inventory financing is a short-term loan option that leverages existing inventory as collateral, offering businesses the liquidity to manage inventory levels. It’s ideal for companies needing to maintain stock to satisfy customer demand while facing interim cash flow issues.

  • Loan amounts from $500K to $20M
  • Revolving credit lines available
  • Advance rate up to 85% of liquidation value
  • Inventory audit / review typically required
  • Interest based on Prime + 6-12%
  • Suited for B2B and B2C companies
  • Great solution for e-commerce firms

Equipment Leasing

Equipment leasing offers businesses a practical solution to acquire essential machinery, vehicles, and technology without large upfront costs. By opting for a lease or loan specifically for equipment, companies can efficiently manage cash flow while securing the assets necessary for their operations. This financing method is ideal for most industries, including manufacturing, construction, transportation, healthcare, and technology.

  • Loan range from $100K to $50MM+
  • Terms of 3 to 7 years are most typical
  • 70%–85% advance of liquidation value
  • Equipment appraisal or audit required
  • Rates: Prime + 3% to 10%
  • Applicable for B2B and B2C sectors
  • Sale-leaseback options for existing equipment

Real Estate Lending

Our real estate lending options provide financing solutions through banks, credit unions, specialized alternative lenders, private investors, and equity funds. These loans cater to the complex needs of commercial properties and cover all asset classes such as industrial, office, retail, single and multi-family investment portfolios and more.

Our clients receive financing in both short-term bridge offerings of 12-36 months as well as permanent commercial loans with 25-30 terms. These funds are used for new property purchases, developments, refinancing and cash-out scenarios.

  • Loan amounts $500K to $100MM+
  • 25-30 year amortization periods
  • 50-80% Loan-to-Value (LTV)
  • Rates: 5-10 year Treasury + 3.5% to 7%
  • Interest-Only Bridge Loan Options
  • Options available in all 50 states

Purchase Order (PO) Funding

Purchase Order Funding provides businesses with crucial financing to fulfill large orders without the cash to cover initial production or purchase costs. Ideal for companies experiencing cash flow issues, limited traditional financing access, or rapid expansion, this funding bridges gaps and ensures timely order fulfillment.

  • Loan amounts from $250K to $50M
  • Revolving credit available
  • Funds 70%-100% of P.O. value
  • Fees from 1.5% to 3% per 30 days
  • Supports drop-shipped orders
  • Includes warehouse and processing orders
  • For B2B and B2C businesses
  • Serving USA and Canada

Government Contract Financing

Government Contract Financing offers tailored funding to businesses awarded contracts with federal, state, or local agencies. This financial solution ensures seamless cash flow management, covering upfront costs without depleting working capital, thereby enabling contractors to meet obligations and compete effectively in government projects.

  • Financing facilities from $250K to $50MM
  • Up to 90% advance on contract value
  • Approval in 5-10 business days
  • Rates from Prime + 2% to 8%
  • For prime and subcontractors
  • Options: factoring, asset-based, credit lines
  • USA-focused for government contracts

Unsecured & Sub-Debt Loans

Mezzanine Financing, or subordinated debt, offers a unique funding option that sits behind senior debt in repayment priority during liquidation or bankruptcy. Due to its lower claim on assets, it carries higher risk, requiring lenders to charge relatively higher interest rates.

  • Loan amounts from $250K to $20MM
  • Terms span 12-60 months
  • Lends at 1-5 times EBITDA
  • Interest: Prime + 4% to 8%
  • Options or warrants may apply
  • Available in the USA only

Small Business Administration Loans:

SBA Loans foster small business growth by offering government-backed guarantees on loans from banks or credit unions. This support reduces lenders’ risk, enabling businesses to secure essential capital. With options like the versatile 7(a) Loan for various needs, the 504 Loan for asset purchases, and the Express Loans for quick funding, SBA Loans cater to diverse business requirements.

  • Loan amounts from $250K to $5MM+
  • Typical term up to 10 years
  • Advance rates based on cash flow and assets
  • Available exclusively in the USA